Work out when you can afford to retire
A free UK retirement planner. Enter your details — or upload your own spreadsheet — and see your earliest retirement date, sustainable income, and how your plan holds up under stress.
No sign-up. Your data never leaves your browser unless you use the AI features.
Forwards and backwards
Pick a target retirement date and see whether it is funded — or let the planner find the earliest date your money supports.
Everything in one model
State Pension, workplace and personal pensions, final-salary schemes, ISAs, savings, shares, ETFs, crypto, rental property and your home — projected month by month to age 95+.
UK tax built in
Income tax bands, the 25% tax-free lump sum, National Insurance, capital gains, Section 24 rules on rental income and an inheritance tax estimate — using verified 2026/27 figures.
Risks, not just averages
Monte Carlo simulation, a market-crash stress test, higher-inflation and live-to-100 cases, and sensitivity analysis on every key assumption.
Scenarios and reports
Save unlimited scenarios, compare them side by side, then print a clean report to share or file.
Smart spreadsheet upload
Already track your finances in Excel? Upload it — AI reads any layout, maps what it finds and asks about the gaps.
How it works
- Tell us about your household — ages, income, pensions, savings, property. A guided setup takes about five minutes, or upload a spreadsheet and let the AI map it.
- See your projection — month-by-month income, spending, tax and net worth from now to age 95, with your State Pension age and tax-free lump sum handled automatically.
- Test and compare — duplicate your plan, retire earlier, sell a property, spend more in the early years; compare scenarios side by side and print the result.
Everything is guidance, not advice — see the methodology page for every assumption, source and known simplification.